@import url('https://fonts.googleapis.com/css2?family=Space+Grotesk:wght@500;600;700&family=IBM+Plex+Sans:wght@400;500;600&family=IBM+Plex+Mono:wght@500;600&display=swap');

:root{
  --ink:#14213D;
  --ink-2:#0E1830;
  --paper:#F4F5F1;
  --white:#FFFFFF;
  --line:#DCDDD2;
  --slate:#262B38;
  --muted:#5B6270;
  --gold:#C08829;
  --gold-deep:#9C6A1A;
  --brick:#A23B2E;
  --font-display:'Space Grotesk',sans-serif;
  --font-body:'IBM Plex Sans',system-ui,sans-serif;
  --font-mono:'IBM Plex Mono',monospace;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
html,body{overflow-x:hidden;max-width:100%;}
body{margin:0;background:var(--paper);font-family:var(--font-body);color:var(--slate);}
h1,h2,h3,h4{font-family:var(--font-display);margin:0;color:var(--ink);}
p{margin:0;}
a{color:inherit;text-decoration:none;}
a:hover{color:var(--gold-deep);}
button{font-family:inherit;cursor:pointer;}
input,select,textarea{font-family:inherit;max-width:100%;}
input[type="range"]{accent-color:var(--gold);}
img,svg{max-width:100%;height:auto;}
.mono{font-family:var(--font-mono);}
.container{max-width:1180px;margin:0 auto;padding:0 40px;width:100%;}
.small{font-size:13px;color:var(--muted);}

/* Fluid headings: inline font-sizes on individual pages are set for desktop;
   these breakpoints override them on small screens so text never has to be
   shrunk manually per page. */
@media (max-width:760px){
  h1{font-size:34px !important;line-height:1.15 !important;}
  h2{font-size:26px !important;}
}
@media (max-width:480px){
  h1{font-size:28px !important;}
  h2{font-size:22px !important;}
  .stat-value{font-size:22px !important;}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:3px;font-weight:600;font-size:15px;border:1px solid transparent;}
.btn-primary{background:var(--gold);color:var(--ink);border-color:var(--gold);}
.btn-primary:hover{background:var(--gold-deep);border-color:var(--gold-deep);color:var(--ink);}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink);}
.btn-ghost:hover{background:var(--ink);color:var(--paper);}
.btn-outline-light{background:transparent;color:var(--paper);border-color:var(--paper);}
.btn-outline-light:hover{background:var(--paper);color:var(--ink);}
.btn-block{width:100%;}
.btn[disabled]{opacity:.5;cursor:not-allowed;}

/* Form fields */
.field-label{font-size:13px;color:rgba(244,245,241,0.78);display:block;margin-bottom:8px;}
.field-label-light{font-size:13px;color:var(--muted);display:block;margin-bottom:8px;}
.field{width:100%;border:1px solid var(--line);padding:13px 14px;font-size:15px;background:var(--white);color:var(--ink);}
.field:focus{outline:2px solid var(--gold);outline-offset:1px;}
.field-error{font-size:12px;color:#E8A798;margin-top:6px;}
.field-error-light{font-size:12px;color:#B23A2E;margin-top:6px;}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--paper);border-bottom:1px solid var(--line);}
.header-row{display:flex;align-items:center;justify-content:space-between;padding:18px 0;}
.brand{display:flex;align-items:center;gap:10px;}
.brand-mark{height:34px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.brand-mark img{height:100%;width:auto;display:block;}
.brand-name{font-weight:700;font-size:20px;color:var(--ink);}
.nav-links{display:flex;gap:30px;align-items:center;}
.nav-links a{font-size:15px;font-weight:500;color:#2B3142;}
.mobile-toggle{display:none;background:none;border:none;padding:6px;}
.mobile-menu{display:none;flex-direction:column;gap:16px;padding:0 0 22px;}
.mobile-menu.open{display:flex;}
@media (max-width:860px){
  .nav-links{display:none;}
  .mobile-toggle{display:inline-flex;}
}

/* Layout helpers */
.grid-2{display:grid;grid-template-columns:1.05fr 0.95fr;gap:56px;}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;}
.steps-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px;}
.doc-cols{display:grid;grid-template-columns:1fr 1fr;gap:40px;}
.rate-row{display:grid;grid-template-columns:1fr auto;gap:20px;padding:16px 0;border-bottom:1px solid rgba(244,245,241,0.2);}
.foot-links{display:flex;flex-direction:column;gap:10px;}
@media (max-width:960px){
  .grid-2{grid-template-columns:1fr;gap:40px;}
  .grid-3{grid-template-columns:repeat(2,minmax(0,1fr));}
  .grid-4{grid-template-columns:repeat(2,minmax(0,1fr));}
  .steps-row{grid-template-columns:repeat(2,minmax(0,1fr));}
  .doc-cols{grid-template-columns:1fr;gap:8px;}
}
@media (max-width:620px){
  .grid-3{grid-template-columns:1fr;}
  .grid-4{grid-template-columns:1fr;}
  .steps-row{grid-template-columns:1fr;}
  .container{padding:0 20px;}
  .grid-2{gap:28px;}
}

/* Sections */
section{padding:88px 0;}
@media (max-width:760px){
  section{padding:56px 0;}
}
@media (max-width:480px){
  section{padding:40px 0;}
}
.section-tight{padding:56px 0;}
.section-white{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.section-dark{background:var(--ink);color:var(--paper);}
.section-dark h1,.section-dark h2,.section-dark h3{color:var(--paper);}
.section-darker{background:var(--ink-2);color:var(--paper);}
.section-darker h1,.section-darker h2,.section-darker h3{color:var(--paper);}
.eyebrow{font-family:var(--font-mono);font-size:13px;color:var(--brick);}
.eyebrow-light{font-family:var(--font-mono);font-size:13px;color:var(--gold);}
.lede{max-width:560px;margin-bottom:48px;}

/* Sanction / offer style card */
.slip-card{background:var(--ink);color:var(--paper);padding:34px;width:100%;}
.slip-row{display:flex;justify-content:space-between;border-bottom:1px dashed rgba(244,245,241,0.3);padding-bottom:12px;}
.slip-row:last-child{border-bottom:none;}
.slip-row span:first-child{font-size:14px;color:rgba(244,245,241,0.65);}
.slip-row span:last-child{font-size:15px;}

/* Product / cheque-stub cards */
.product-card{display:flex;border:1px solid var(--line);background:var(--white);}
.product-rail{width:80px;flex-shrink:0;background:var(--ink);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;border-right:2px dashed rgba(244,245,241,0.35);padding:16px 6px;}
.product-rail span{color:var(--paper);}
.product-rail .divider{width:18px;height:1px;background:rgba(244,245,241,0.4);}
.product-body{flex:1;padding:22px;display:flex;flex-direction:column;gap:10px;}
.product-body p{font-size:13px;color:var(--muted);line-height:1.55;}
.product-rate{margin-top:auto;display:flex;flex-direction:column;gap:2px;padding-top:12px;border-top:1px solid #EDEEE3;}
.product-rate .label{font-size:11px;color:var(--muted);}
.product-rate .value{font-family:var(--font-mono);font-size:17px;color:var(--ink);font-weight:600;}
.product-link{font-size:13px;font-weight:600;color:var(--brick);margin-top:6px;}

/* Stat / step blocks */
.stat-block{border-top:2px solid var(--ink);padding-top:14px;}
.stat-value{font-family:var(--font-mono);font-size:28px;font-weight:600;color:var(--ink);}
.stat-label{font-size:13px;color:var(--muted);margin-top:6px;}
.step-block .step-n{font-family:var(--font-mono);font-size:14px;color:var(--gold);border-bottom:2px solid var(--ink);padding-bottom:10px;}

/* Disclosure box */
.disclosure-box{border:1px solid var(--line);background:var(--white);padding:28px;margin-top:32px;}
.disclosure-box h3{font-size:16px;margin-bottom:14px;}
.disclosure-box dl{margin:0;display:grid;grid-template-columns:1fr;gap:12px;}
.disclosure-box .drow{display:flex;flex-wrap:wrap;justify-content:space-between;gap:6px 16px;padding:10px 0;border-bottom:1px solid var(--line);}
.disclosure-box .drow:last-of-type{border-bottom:none;}
.disclosure-box dt{font-size:14px;color:var(--muted);}
.disclosure-box dd{margin:0;font-family:var(--font-mono);font-size:14px;color:var(--ink);font-weight:600;text-align:right;max-width:60%;}
.disclosure-example{margin-top:16px;padding-top:16px;border-top:1px dashed var(--line);font-size:13px;color:var(--muted);line-height:1.6;}
.placeholder-flag{display:inline-block;margin-top:14px;font-size:12px;color:var(--brick);background:#FBEDEA;border:1px solid #EFCFC7;padding:8px 12px;}
@media (max-width:480px){
  .disclosure-box{padding:20px;}
  .disclosure-box dd{text-align:left;max-width:100%;}
  .rate-row{grid-template-columns:1fr;gap:4px;padding:12px 0;}
  .rate-row span:last-child{text-align:left;}
  .product-rail{width:64px;}
}

/* Trust badges */
.badge h3{font-size:15px;color:var(--ink);}
.badge p{font-size:13px;color:var(--muted);margin-top:8px;line-height:1.5;}

/* Testimonials */
.testi-card{border-top:2px solid var(--gold);padding-top:20px;display:flex;flex-direction:column;gap:16px;}
.testi-card p{font-size:15px;line-height:1.6;color:rgba(244,245,241,0.9);}
.testi-name{font-size:14px;font-weight:600;color:var(--paper);}
.testi-city{font-family:var(--font-mono);font-size:12px;color:rgba(244,245,241,0.55);}

/* FAQ */
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{width:100%;background:none;border:none;padding:20px 0;display:flex;justify-content:space-between;align-items:center;text-align:left;}
.faq-q span:first-child{font-size:15px;font-weight:600;color:var(--ink);}
.faq-marker{font-family:var(--font-mono);font-size:20px;color:var(--brick);flex-shrink:0;padding-left:16px;}
.faq-a{font-size:14px;color:var(--muted);line-height:1.6;padding-bottom:20px;max-width:640px;display:none;}
.faq-item.open .faq-a{display:block;}

/* Application journey */
.apply-card{background:var(--ink);color:var(--paper);padding:34px;}
.apply-card .step-tag{font-family:var(--font-mono);font-size:11px;letter-spacing:0.05em;color:var(--gold);}
.apply-card h2{font-size:22px;margin-top:8px;color:var(--paper);}
.apply-card .lead{font-size:13px;color:rgba(244,245,241,0.65);margin-top:8px;}
.apply-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px;}
@media (max-width:640px){.apply-grid{grid-template-columns:1fr;}}
.apply-step{display:none;}
.apply-step.active{display:block;}
.consent-row{display:flex;gap:12px;align-items:flex-start;margin-top:22px;}
.consent-row input{margin-top:3px;flex-shrink:0;width:18px;height:18px;}
.consent-row label{font-size:12px;line-height:1.6;color:rgba(244,245,241,0.75);}
.consent-row a{color:var(--gold);font-weight:600;}
.lsp-note{font-size:11px;line-height:1.6;color:rgba(244,245,241,0.5);margin-top:18px;padding-top:18px;border-top:1px solid rgba(244,245,241,0.15);}
.otp-boxes input{letter-spacing:0.3em;text-align:left;}
.link-btn{background:none;border:none;color:rgba(244,245,241,0.7);font-size:13px;text-align:center;width:100%;margin-top:6px;}

/* Offers page */
.offer-card{border:1px solid var(--line);background:var(--white);padding:24px;display:flex;flex-direction:column;gap:16px;}
.offer-head{display:flex;justify-content:space-between;align-items:flex-start;}
.offer-name{font-size:18px;}
.offer-rate-badge{font-family:var(--font-mono);font-size:12px;color:var(--ink);background:#F1EEE0;border:1px solid var(--line);padding:4px 10px;}
.offer-row{display:flex;justify-content:space-between;font-size:14px;color:var(--muted);border-bottom:1px solid var(--line);padding:8px 0;}
.offer-row span:last-child{font-family:var(--font-mono);color:var(--ink);font-weight:600;}
.offer-controls{display:flex;flex-direction:column;gap:14px;margin-top:4px;}

/* Footer */
.site-footer{background:var(--ink-2);color:rgba(244,245,241,0.85);padding:64px 0 32px;}
.footer-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;margin-bottom:36px;}
@media (max-width:960px){.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:620px){.footer-grid{grid-template-columns:1fr;}}
.footer-grid a{font-size:14px;color:rgba(244,245,241,0.85);}
.footer-grid h4{font-size:13px;color:rgba(244,245,241,0.5);margin-bottom:8px;}
.footer-lsp{font-size:12px;line-height:1.7;color:rgba(244,245,241,0.5);border-top:1px solid rgba(244,245,241,0.15);border-bottom:1px solid rgba(244,245,241,0.15);padding:20px 0;margin-bottom:20px;}
.footer-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;}
.footer-bottom span{font-size:12px;color:rgba(244,245,241,0.5);}
.social-row{display:flex;gap:10px;margin-top:18px;}
.social-row a{width:30px;height:30px;border:1px solid rgba(244,245,241,0.3);display:flex;align-items:center;justify-content:center;font-size:11px;}

/* Simple legal page */
.legal-body h2{font-size:22px;margin-top:32px;}
.legal-body p, .legal-body li{font-size:15px;line-height:1.7;color:var(--slate);}
.legal-body{max-width:760px;}